Medicare Advantage contracts at street level
Contract with the Medicare Advantage carriers you choose, paid at each carrier’s full agent level within CMS limits. You enroll clients through HealthSherpa inside MiHUB™, which is free when all of your contracts are with us.
Medicare Advantage carriers you can request
Availability varies by state and county. Each carrier makes the final appointment decision. See carrier details
What you get when you contract with us
Your contracts, MiHUB™ for enrolling and servicing clients, training, and a person to call when you have a question.
Street-level compensation
Paid at each carrier’s full agent level for every enrollment, within the limits CMS sets for agents and brokers.
You own your book
Your clients stay yours, subject to each carrier’s agreement. No team targets and no recruiting quotas.
MiHUB™ with HealthSherpa
Enroll through HealthSherpa inside MiHUB™, with each enrollment saved to your client’s file. Free when all of your contracts are through us.
AHIP and certification help
Step-by-step support for AHIP or other accepted training and each carrier’s certification, every plan year.
Compliance training
Scope of Appointment, the required disclaimer, call recording, enrollment periods and plan comparisons done right.
Phone or field
Sell by phone, at scheduled in-home appointments, or both, with tools built for each.
HealthSherpa enrollment inside MiHUB™
MiHUB™ brings your Medicare day into one app on your phone, iPad or computer: appointments, calls, Scope of Appointment, enrollment and client service.
- Enroll through HealthSherpa, right inside MiHUB™
- Scope of Appointment signed on screen and saved to the client file
- Guided phone enrollment that keeps you on script
- Medicare calls recorded and kept with the client
- Plan options for your client’s area
- Completed enrollments saved to the client’s file
- Plan changes kept separate from cancellations
- Your own AI Live Coach on every callExclusive
Free when all of your carrier contracts are through our agency. Otherwise MiHUB™ is a paid subscription. MiHUB™ is a business tool; agents remain responsible for compliance on every call.
How contracting works
Apply here
Three short steps. Pick one carrier or several.
Sign your contracts
We send the next steps. You e-sign for each carrier you choose.
AHIP and carrier training
Finish AHIP or other accepted training and each carrier’s certification.
Get appointed
Each carrier reviews and appoints you in your licensed states.
Ready to sell
Get your MiHUB™ login and start enrolling through HealthSherpa.
Timing depends on the carrier, your state and when training opens for the plan year. Read the full contracting guide.
Recruiting is not required
Some agencies tie your level to how many agents you bring in. We don’t. You can focus on your own clients. If you ever want to build an agency, that is up to you and is never a condition of your contract.
- No recruiting quotas or team targets
- Contract with one carrier or many
- Keep your other contracts if you want
- Someone to call when you have a question
CMS rules we train on
Plain-language summaries of the federal rules for agents. Each links to the current regulation.
Scope of Appointment comes first
Agree on and record the Scope of Appointment before a personal marketing appointment. It must be in writing for in-person appointments.
42 CFR 422.2264Read the disclaimer before benefits
Agents who sell for more than one Medicare Advantage organization must say the standard disclaimer before discussing any benefits on a sales call.
42 CFR 422.2267(e)(41)Record every sales call
Marketing and sales calls must be recorded in full and kept for at least 6 years, in audio format for the first 3 years.
42 CFR 422.2274(g)(2)(ii)No unsolicited contact
No unsolicited door-to-door visits, cold calls, robocalls, texts or social media direct messages. Calls are fine when the beneficiary asked to be contacted.
42 CFR 422.2264(a)Open the printable compliance checklist
Summaries for general information only, not legal advice. Carriers may have stricter rules.
Training and field support
Contracted agents get our Medicare training and field support, from the first call through the annual review.
- Phone and in-home appointment flow
- Comparing plans by doctors, drugs and county
- Enrollment periods and when each applies
- Screening for Extra Help and Medicare Savings Programs
- Keeping clients through annual reviews
Life insurance contracts for Medicare agents
Many Medicare clients also ask about final expense or whole life coverage. With a life line of authority, you can request life contracts through the same agency and keep serving clients year round, outside enrollment periods.
Featured carrierPolish Falcons of America
Final expense · Whole life
- A not-for-profit fraternal benefit society since 1928
- Final expense for ages 50–80, up to $25,000, simplified issue
- Full coverage from day one, with no waiting period, for those who qualify
- Whole life for issue ages 0–80, with a guaranteed death benefit and cash value
Featured carrierKSKJ Life
Whole life
- A fraternal benefit society founded in 1894
- Whole life up to $200K with no medical exam. Approval depends on underwriting
- Plans for babies through seniors
- Some plans are participating and may earn dividends. Dividends are not guaranteed
More life carriers
Royal Neighbors of America
CICA Life
Family Benefit Life
Liberty Bankers Life
Baltimore Life
Mutual of Omaha
Transamerica
American Amicable
Foresters Financial
AmericoOne agency, one login
Keep your Medicare Advantage and life business together, with your life clients and follow-ups in MiHUB™.
Business all year
Life insurance has no enrollment periods, so you can keep helping clients after AEP ends.
Pick what fits
Request one life carrier or several. You do not have to move your other contracts.
Keep life out of the Medicare Advantage appointment
During a Medicare Advantage personal marketing appointment, agents may not market non-health products such as life insurance or annuities. If a client asks about life coverage, set a separate appointment at their request. Unsolicited calls about other lines of business may not be used to generate Medicare leads. Follow your state’s life insurance and replacement rules.
42 CFR 422.2264(b)(1)(v) and (c)(3)(iii)(C)Request Medicare and life contracts Read the rules for offering life
Levels are first-year, as a percentage of annual premium. Top levels depend on meeting production requirements, vary by product and issue age, are subject to carrier approval, and are not a guarantee of earnings. Product details are from each carrier; ages, amounts and features vary by plan and state. Life contracts are offered through our agency’s final expense program at FEXCareers. A life line of authority is required. Each carrier makes the final appointment decision. Carrier names and logos are trademarks of their owners.
Free tools for Medicare agents
Free to use, whether or not you contract with us.
Turning 65 window finder
Enter a birth date to see the Initial Enrollment Period and coverage start dates.
Open tool →Enrollment period checker
See which enrollment periods are open on any date and how long until the next one.
Open tool →Disclaimer builder
Fill in your numbers and get the standard disclaimer wording to read and post.
Open tool →Compliance checklist
One printable page for every phone and in-home appointment.
Open checklist →Rapid disenrollment checker
Check whether a plan change falls inside the first three months.
Open tool →Links agents use
AHIP, NIPR, Medicare Plan Finder, Extra Help and more.
See all resources →Request your Medicare contracts
Three short steps. We start contracting for each carrier you choose. Just one contract is fine.
- No cost to request contracts
- No recruiting required
- MiHUB™ free when all of your contracts are with us
Have ready: your resident license, NPN, E&O certificate and AHIP certificate (if done). Your information is sent securely and used only for contracting.
Where we contract
We contract agents in the 16 states where our agency is licensed and add states as requests come in.
Common questions
Do I have to recruit other agents?
No. Recruiting is never required to get contracted, keep your contracts or move up. You can focus on your own clients.
What does street-level Medicare Advantage compensation mean?
It means you are paid at the carrier’s full agent compensation level for each enrollment, as set in your carrier agreement. CMS sets the maximum that carriers can pay agents and brokers, so every carrier stays within those limits. Read how it works.
Which Medicare Advantage carriers can I request?
You can request UnitedHealthcare, Humana, Aetna Medicare, Wellcare, Anthem, Devoted Health, Molina Healthcare, HAP, Priority Health and Zing Health. Carrier and plan availability vary by state and county, and each carrier makes the final appointment decision.
What do I need before I can sell Medicare Advantage?
An active resident license with health (accident and health) authority, a carrier appointment, and AHIP or other training the carrier accepts plus each carrier’s own certification, completed every year. CMS rules require agents to be trained and tested annually and score 85% or higher. See the full checklist.
Do I get MiHUB™?
Yes. MiHUB™ is free when all of your carrier contracts are through our agency. It lets you enroll clients through HealthSherpa from inside the app, get the Scope of Appointment signed on screen, and keep each enrollment saved in the client’s file. If you are not contracting with us, you can still subscribe to MiHUB™ on its own.
Can I sell by phone, in person, or both?
Both. MiHUB™ supports phone enrollments and scheduled in-home appointments. CMS requires sales calls to be recorded and kept, a Scope of Appointment before every personal marketing appointment, and it does not allow unsolicited door-to-door contact or cold calling.
Can I keep my current contracts?
Yes. Contract with one carrier or as many as you like. If you are moving an existing Medicare Advantage appointment from another agency, the carrier may require a release or a waiting period. We will walk you through each carrier’s process.
Do I own my book of business?
Your clients stay yours, subject to each carrier’s agreement.
Do you provide leads?
We do not sell leads. We can connect you with third-party lead vendors. Any Medicare lead you call must come with the beneficiary’s permission to be contacted, because CMS prohibits cold calling.
Can I also get life insurance contracts?
Yes. If you hold a life line of authority, you can request final expense and whole life contracts through our agency. Keep life insurance out of Medicare Advantage appointments, because CMS does not allow marketing non-health products during them. If the client asks, set a separate appointment. See how it works.
What if my state is not listed?
We currently contract agents in the 16 states where our agency is licensed and add states as requests come in. Apply and choose “Other state.”
Is this website connected with Medicare?
No. This is a private insurance agency website for licensed agents. It is not connected with or endorsed by the U.S. government or the federal Medicare program.
Ready to request your Medicare contracts?
Apply in a few minutes. Contract with one carrier or several. No recruiting required.
Start my application